<< Back to all Blogs
Login or Create your own free blog
Home > Archive: August, 2011

Archive for August, 2011

New job, school and apartment... FML

August 26th, 2011 at 06:39 pm

Itís been a while since Iíve been here and thatís because I havenít been doing well with my finances. It was easier to ignore it. I need to be honest; sometimes itís just nice to buy whatever you want whenever you want.

So itís been two weeks since Iíve started my new job and thereís a tough learning curve. I donít even have words at the moment to talk about the environment.

My living situation is also a mess. So my roommate and I learned that our landlord had to de-lead our apartment earlier in the summer. The house was built a long time ago and he never completed all the state regulated tasks prior to renting it, which included getting all the lead pain out of the house. Now that heís thinking of selling the place, heís playing catch up. Therein lies the other issues, Iím dealing with, i.e. I had to find a place to live prior to the whole de-leading fiasco. And since my life just has a way of taking the worst possible scenario, I ended up signing the lease for a place that I have to wait until mid-September to move into. The reason being that my new landlord wanted to rewire the entire apartment after the current tenant vacates. So where am I living you ask? Well in the basement of my old apartment until the de-leading is completed (it takes 2 weeks). Then I move back into my old apartment for a week, then I move to my new apartment. The only positive aspect is that I donít have to pay either landlord for the time Iím in the basement.

Iím also starting classes next week, while Iím in the basement so that will be interesting.

AhhhÖ new job, new apartment, new classesÖ I have no idea why I put myself in these situations that are so stressful. Iím also going to list my budget below and hide in a corner while you guys critique the hell out of it.

Yes I know Iím paying too much for the gymÖ yes Iím paying too much rent (actually in the state that I live, that cheap for a 1 bedroom) and my gas is going to be way more expensive than that.

Also I currently have nothing in retirement savings, I plan on getting rid of the music portion, I donít know what cable or electric bills will be in my place. Iím charging as much as I can on my CC because I have a cash rewards program.

Here is my monthly budget:

Total: $2737
Ideal Percentage/Ideal Amount/Actual Amount

1 Rent-Housing 30% $821 $1250
2 Transportation 15% $410 $30
3 Credit Card1 5% $137 $337
4 Student Loans 10% $274 $274
5 Savings 10% $137 $260
6 Retirement 10% $274 $417
7 Gas bill 8% $219 $169

1Following will be charged on CC: gym ($84), music ($15) will change to $0, cable ($ ), cell phone ($52), electric ($ ), food ($100)